Accident & Health

Collaborate with RMA, one of the industry’s most experienced teams, to help manage your business with Accident and Health insurance & reinsurance.

A&H Products
A&H Reinsurance

RMA is licensed to distribute and transact Life and Accident & Sickness Insurance in all Canadian provinces. Our wide range of partners includes the Lloyd’s of London Market, Canadian and International Specialty Carriers as well as Ancillary Benefits providers. RMA’s deep understanding of Accident &Health products enables us to provide unparalleled support to insurers and benefits consultants in developing customized client solutions.

Our solutions supplement the products available in the traditional marketplace, and our longstanding relationships with Specialty A&H carriers enable us to tailor solutions to the unique requirements of our clients.

Accident & Health Products

Accidental Death & Dismemberment

Diversified panel of insurance partners specializing in a wide range of industries. Available offerings range from 24 hour to business travel coverage providing large sums insured.

Disability & Critical Illness

RMA’s Disability and Critical Illness products may be tailored to offer monthly benefits and/or lump sum benefits in the event of accident or illness.

Extended Healthcare & Prescription Drugs

We offer various solutions to protect against abnormal health care and prescription drug claims experience.

Travel & Crisis Management

Solutions may be customized to include Emergency Medical and Trip Interruption Benefits. Non-Medical Emergency coverage (Crisis Management) may also be added to protect insured members against risks such as Natural Disasters, Political Instability and Terrorism.

Special Risk Coverage

Our products may be tailored to accommodate a variety of unique risk situations including, but not limited to:
  • High Limit and Keyman Coverage
  • War, Terrorism and Pandemic
  • Concentration Risks
  • Known and Unknown Clash
  • Abnormal Mortality and Morbidity
  • Mobile Workforce
  • Special groups such as students, sports teams and volunteers
  • Unusual or Hazardous Avocation and Occupation

Accident & Health Reinsurance

RMA gives insurers access to high-quality capacity through a global network of reinsurers. We also offer reinsurance program design, actuarial consulting and pricing, and third-party administration—all backed up by extensive market experience.

Our team’s extensive knowledge in the reinsurance and retrocession business covers a wide range of short-term accident and health risks on a facultative, treaty, and whole portfolio basis.

Services

  • Reinsurance program design
  • High-quality reinsurance capacity
  • Reinsurance treaty and policy wording
  • Portfolio management and administration
  • Underwriting, pricing, and risk assessment
  • Actuarial consulting
  • Product development
  • Claims adjudication and litigation support
  • Auditing services
  • Analysis of new insurance products and territories

Methods

Proportional:

  • Quota share
  • Surplus of lines or variable quota share

Non-proportional:

  • Per person or per risk excess of loss
  • Known or unknown clash excess of loss
  • Multi-life catastrophe excess of loss
  • Aggregate mortality or morbidity stop loss

Resources

Accident & Health Overview Flyer
High Limit Long Term Disability Flyer

Start a Quote

Top-Up Disability Coverage

Travel Coverage

Group/Association Accident Coverage

Accident & Health Questions

The RMA team is always available to help with your insurance and reinsurance needs. Reach out to our team anytime to get started on a quote or ask questions: aandh@rmacan.com